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Form ARS

Mar 20, 2026

Annual Report to Security Holders

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Contact CFR Board

directors@frostbank.com

(877) 491-9877

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Cullen/Frost Bankers, Inc
Frost Bank
c/o Board of Directors
111 W. Houston Street
San Antonio, TX 78205

Investor Contact

A.B. Mendez, CFA

Director of Investor Relations

IR@frostbank.com

(210) 220-5234

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Investment and insurance products are not FDIC insured, are not bank guaranteed, and may lose value. Insurance products are for solicitation in the state of Texas. Investment and insurance products are offered through Frost Brokerage Services, Inc., Member FINRA/SIPC. Frost Brokerage Services, Inc. is a wholly owned subsidiary of Frost Bank. Additionally, insurance products are offered through Frost Insurance.

Deposit and loan products are offered through Frost Bank, Member FDIC.

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Routing Number

114000093

SWIFT Code

FRSTUS44

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